In one note, Easter Morris wrote about applying several months ago for a janitorial position at a local cleaning service. The Baltimore woman said she was told that she qualified for the job — but wouldn't get it because of her credit.
"I cannot understand why my credit had anything to do with a cleaning job," wrote Morris, 52.
She wrote that she is ill and drawing Social Security disability payments that aren't enough to keep up with her bills — which is why she was trying to get a job.
Changing the law, she wrote, "will help many of us who are struggling to make ends meet."
Robert Robinson wrote to legislators that a security agency was impressed with his credentials but didn't make an offer because of his credit.
"You know, it gives the impression that you're not reliable," the Suitland man wrote. "That's just not true."
But some employers say credit reports can play an important role in assessing job applicants.
Vangel Paper co-owner Valerie S. Androutsopoulos told lawmakers that her Baltimore-based document recycling and destruction company needs to protect its clients from fraud.
"It's vital to safeguard our clients' information," she said. Employees handle documents with data that could be used to commit identity theft. "We need every tool possible to minimize this risk."
Androutsopoulos said she doesn't have blanket rules about using the reports and tends to ignore negative information if it involves medical or education debts or mortgage issues. She said she hired an administrator last year even though he had a problem report. He'd declared bankruptcy to avoid foreclosure, she said.
What she's looking for in the reports, she said, is a history of staying current on lines of credit over a seven-year period.
"We don't base our hiring decisions solely on credit history," she said. "It's just one part of the information that's evaluated."
The legislation approved by the Senate would allow companies handling sensitive data to continue running credit reports. Companies also could run checks on applicants for high-level positions, such as chief financial officers.
But it would otherwise prohibit employers from using an employee's credit report or credit history as a basis to deny employment to a job applicant or penalize or discharge an existing employee.
Violators would be referred to the state commissioner of labor and industry. They could face a $500 penalty for a first-time offense and a $2,500 penalty for repeat violations.
The House Economic Matters Committee could vote as soon as this week.
An earlier version of this story cited several individuals who believed they were denied employment because they had low credit scores. In fact, would-be employers do not receive the scores themselves when they run credit checks. The legislation is intended to limit their access to the entire credit report.
On the web: http://mlis.state.md.us/2011rs/bills/sb/sb0132t